Insurance and billing
Out-of-network benefits and superbills
We are a cash-pay practice and are out of network with commercial insurance plans. You know the rate before you book, and if your plan includes out-of-network benefits, this page can help you understand how to use them.
Cash pay
Coast to Coast is a cash-pay practice. You pay at the time of service, and the rate is set by visit length, not by diagnosis or complexity.
Rates are based on visit length. See full pricing.
Payment accepted: all major credit and debit cards, plus HSA and FSA cards.
Out-of-network reimbursement (superbills)
A superbill is an itemized receipt that includes the diagnosis codes, procedure codes, and provider information your insurer may use to process an out-of-network claim. We provide one on request at no extra charge. Here is the whole process:
- 1. You pay for your visit at the time of service.
- 2. On request, we provide you with a superbill.
- 3. If you choose to, you submit it to your insurer. Your plan's member website or the number on your card will tell you how.
- 4. Your insurer reviews the claim and determines whether it is covered and what, if anything, it will reimburse under your plan.
Whether to submit a superbill is always your choice. Your plan determines whether the claim is covered and how much it will reimburse. Providing a superbill does not guarantee payment.
Does my plan have out-of-network benefits?
Out-of-network benefits are more common in PPO plans, particularly employer-sponsored plans. HMO and EPO plans generally do not cover routine out-of-network care except in emergencies. Your plan type is printed on your insurance card.
The insurance company's name alone does not determine your benefits. Two plans from the same insurer can have different network rules, deductibles, and reimbursement terms, so what matters is your specific plan.
Check your plan documents for a separate out-of-network deductible and coinsurance, or call the member-services number on your insurance card.
Five questions to ask your insurer
Call the member services number on the back of your insurance card and ask:
- 1. Does my plan cover outpatient psychiatric evaluation and medication management provided by an out-of-network psychiatric nurse practitioner?
- 2. Does that coverage include telehealth visits?
- 3. What is my out-of-network deductible, and how much of it have I met this year?
- 4. After the deductible, what percentage of the allowed amount does the plan reimburse?
- 5. Is prior authorization required, and how do I submit the claim? What is the filing deadline?
Those answers will help you estimate whether submitting a superbill may be worthwhile before your first visit.
Medicare and Oregon Health Plan (Medicaid)
We are not able to accept patients enrolled in Medicare or the Oregon Health Plan (OHP) at this time. Different billing and enrollment rules apply to these programs, so we screen for Medicare and OHP enrollment during intake before care begins.
If you have OHP and need psychiatric care, the Oregon Health Authority maintains a provider directory. If you have Medicare, Medicare's Care Compare tool lists participating psychiatric providers near you.
Why cash pay?
Cash pay keeps fees and payment responsibility clear from the start. We do not wait for insurance authorization or claim processing, and you know the rate before you schedule. When you request a superbill, any reimbursement is determined by your plan.
Ready when you are.
You'll know the rate before you book, and we provide a superbill on request for your out-of-network claim. Questions about fees or superbills? We're glad to walk you through it.
Meredith personally reviews every appointment request and confirms within one business day.